Kelvin Grove vs Paddington: true annual running costs compared (2026)
Last updated July 2026 · council rates 2026-27 (QLD), ATO 88c/km, Translink fares, AER electricity benchmarks
Kelvin Grove and Paddington are both Brisbane City Council suburbs, sitting 2.7 km and 2.9 km from Brisbane CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Kelvin Grove runs $312 a year cheaper than Paddington, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,576.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Kelvin Grove
Paddington
Annual cost breakdown
| Category | Kelvin Grove | Paddington | Difference |
|---|---|---|---|
| Council rates | $1,579 | $1,579 | - |
| Water & sewerage | $1,900 | $1,900 | - |
| Commute (driving) | $882 | $944 | -$62 |
| Commute (public transport) | $192 | $192 | - |
| Home insurance | $1,700 | $1,950 | -$250 |
| Body corporate (unit) | $5,500 | $3,500 | +$2,000 |
| Total (driving) | $6,061 | $6,373 | -$312 |
| Total (public transport) | $5,371 | $5,621 | -$250 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: minimum residential general rate (QLD).
| Dwelling | Kelvin Grove | Paddington | Difference |
|---|---|---|---|
| House | $1,976 | $1,976 | - |
| Unit | $1,591 | $1,591 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Kelvin Grove vs Paddington (2026-27)
What the numbers show
Kelvin Grove costs $312 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $3,576 in favour of Kelvin Grove.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $5,371 from Kelvin Grove versus $5,621 from Paddington.
10-year cumulative cost projection
| Year | Kelvin Grove cumulative | Paddington cumulative | Difference |
|---|---|---|---|
| Year 1 | $6,061 | $6,373 | $312 |
| Year 3 | $18,734 | $19,698 | $964 |
| Year 5 | $32,179 | $33,835 | $1,656 |
| Year 10 | $69,483 | $73,059 | $3,576 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Kelvin Grove or Paddington cheaper to live in?
Kelvin Grove is cheaper to run by car at $6,061 per year versus $6,373 for Paddington, a difference of $312 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Kelvin Grove and Paddington?
Annual council rates for a house are $1,579 in Kelvin Grove (Brisbane City Council) and $1,579 in Paddington (Brisbane City Council). Water and sewerage adds $1,900 in Kelvin Grove and $1,900 in Paddington. Both figures are the minimum residential general rate; properties on higher land value pay more.
How does the commute cost compare between Kelvin Grove and Paddington?
Annual driving commute costs are $882 from Kelvin Grove and $944 from Paddington to Brisbane CBD (ATO 88c/km). Public transport costs $192 from Kelvin Grove and $192 from Paddington.
What is the 10-year cost difference between Kelvin Grove and Paddington?
At 3% annual cost growth, Kelvin Grove costs a cumulative $69,483 and Paddington costs $73,059 over 10 years by car. The cumulative difference is $3,576 in favour of Kelvin Grove. Excludes purchase price, mortgage, and personal expenses.
Which of Kelvin Grove and Paddington is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Brisbane City Council and Brisbane City Council rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.